Financial Highlights

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Financial Highlights
2021 FQ1 YTD
9/30/2020
2020 FY
6/30/2020
2019 FY
6/30/2019
2018 FY
6/30/2018
2017 FY
6/30/2017
Balance Sheet ($000)
Total Assets 3,674,034 3,722,852 3,476,178 3,304,169 3,206,533
Total Net Loans 2,851,249 2,818,224 2,701,936 2,510,665 2,335,926
Total Deposits 2,742,046 2,785,756 2,327,257 2,196,253 2,048,451
Equity Attributable to Parent Company 400,351 408,263 408,896 409,242 397,647
Total Equity 400,351 408,263 408,896 409,242 397,647
COVID-19 Financial Disclosure
Paycheck Protection Program Loan($000) NA NA NA NA NA
PPP Loan Ratio(%) NA NA NA NA NA
COVID-19 Loan Modification($000) NA NA NA NA NA
COVID-19 Loan Modification Ratio(%) NA NA NA NA NA
Processing Fees on PPP Loans($000) NA NA NA NA NA
Profitability (%)
Net Income($000) 5,753 22,783 27,146 8,235 11,847
Net Income Attributable to Parent($000) 5,753 22,783 27,146 8,235 11,847
ROAA 0.62 0.63 0.80 0.25 0.40
Core ROAA 0.64 0.67 0.84 0.87 0.63
ROAE 5.74 5.54 6.62 2.05 3.14
ROATCE 6.30 6.17 7.50 2.77 3.85
Core ROAE 5.93 5.81 6.94 6.98 4.91
Net Interest Margin 3 3.17 3.43 3.46 3.49
Reported: Net Interest Margin 3 3.17 3.43 3.46 3.49
Efficiency Ratio 74.15 69.48 66.28 66.96 71.60
Noninterest Inc/ Operating Rev 25.30 22.56 17.68 15.66 14.69
Balance Sheet Ratios (%)
Loans/ Deposits 101 99.40 116.24 115.01 114.79
Securities/ Assets 3.68 4.47 4.81 5.96 7.45
Total Equity/ Total Assets 10.90 10.97 11.76 12.39 12.40
Tangible Equity/ Tangible Assets 10.25 10.32 11.04 11.58 11.50
Tang Common Equity/ Tang Assets 10.25 10.32 11.04 11.58 11.50
Asset Quality (%)
NPAs/ Assets 0.51 0.80 1.05 1.08 1.47
NPA Excl Restructured/ Assets 0.40 0.44 0.38 0.44 0.62
NPAs & 90+ PD/ Assets 0.51 0.80 1.05 1.08 1.47
NPAs/ Loans & REO 0.65 1.05 1.34 1.41 1.99
Nonaccrual & 90+ & OREO/ Assets 0.40 0.44 0.38 0.44 0.62
NPAs & 90+ PD/ Loans & REO 0.65 1.05 1.34 1.41 1.99
NPA & Loans 90+/ Tangible Common Equity + LLR 4.50 7.31 9.05 8.96 12.18
NCOs/ Avg Loans 0.10 0.07 0.20 0 0.01
Loan Loss Reserves/ Gross Loans 1.49 0.99 0.79 0.83 0.90
Reserves/ NPAs 229.87 93.76 58.87 58.75 44.98
Loan Loss Provision/ NCO NA 457.73 106.92 0 0
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 380,470 374,437 374,729 372,188 342,664
Tier 1 Capital($000) 380,470 374,437 374,729 372,188 342,664
Tier 2 Capital($000) 28,714 28,527 21,884 21,515 21,605
Total Capital($000) 409,184 402,964 396,613 393,703 364,269
Total Risk-weighted Assets($000) 3,246,221 3,324,756 3,071,681 2,869,085 2,622,746
Tier 1 Common Capital (CET1) Ratio(%) 11.71 11.26 12.20 12.97 13.07
Tier 1 Ratio(%) 11.71 11.26 12.20 12.97 13.07
Total Capital Ratio(%) 12.59 12.12 12.91 13.72 13.89
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 10.35 10.26 10.89 11.45 11.13
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 17,020,724 17,021,357 17,984,105 19,041,668 18,967,875
Avg Diluted Shares(actual) 16,469,242 17,292,239 18,393,184 18,726,431 17,956,443
Basic Book Value per Share 23.52 23.99 22.74 21.49 20.96
Book Value per Share, As Reported 23.52 23.99 22.74 21.49 20.96
Basic Tangible Book Value per Share 21.97 22.42 21.17 19.91 19.23
Tangible Book Value per Share, As Reported 21.98 22.43 21.20 19.96 19.37
Common Dividends Declared per Share 0.07 0.27 0.18 0 0
EPS after Extra 0.35 1.30 1.46 0.44 0.65
EPS after Extra Growth(%) (28.60) (11) 231.80 (32.30) 0
Core EPS 0.36 1.36 1.53 1.51 1.02
Core EPS Growth(%) (28.90) (10.80) 1.30 48.20 32.60
Diluted EPS before Amortization 0.36 1.38 1.57 0.58 0.81
Pre-Provision Earnings per Share 0.39 1.68 1.69 1.48 0.87
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